A system and method for real time ultra-short term financing

An ultra-short-term, business processing technology, applied in data processing applications, instruments, finance, etc., can solve problems such as loss of profits for customers, and achieve the effect of protecting interests, increasing profits, and enhancing liquidity

Inactive Publication Date: 2008-07-09
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
View PDF0 Cites 52 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

But this way the client loses some of the revenue

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • A system and method for real time ultra-short term financing
  • A system and method for real time ultra-short term financing
  • A system and method for real time ultra-short term financing

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0041] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be described in further detail below in conjunction with the embodiments and accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention.

[0042] The invention provides an ultra-short-term wealth management system, which is used for quotation, redemption, liquidation, dividend distribution and withdrawal of ultra-short-term wealth management. It can be redeemed, and the redeemed funds will be deposited into the customer's fund account in real time. FIG. 1 is a schematic diagram of a real-time ultra-short-term wealth management system involved in the present invention, including a business acceptance terminal 1 and a banking system host 2 . Wherein, the banking system host 2 includes a business processing device 4 and a data stora...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention provides a system and a method for a real-time ultrashort-term financing system so as to settle problems on poor liquidity of client capital in the prior art caused by no real-time communication between a bank fund distribution server and a fund transaction server of a fund corporation. A client sends a service request via a service handling terminal; a service processing device receives the service request in bank network; the service processing device inquires the data bases of a data storing device positioned at the same bank network, calculates in real time the service data related to the client and the bank, and processes the service request of the client. The invention has the advantages that the purchase and the redemption request of cliental financing products from the client can be responded in real time; the product sale condition can be monitored in real time via the system so as to prevent liquidity risk of product operation; and subsequent redemption operation can be stopped in time when a big amount of redemption occurrence so as to prevent the damage to benefits of the client and the bank.

Description

technical field [0001] The invention relates to the technical field of financial data processing, in particular to a real-time ultra-short-term wealth management system and method. Background technique [0002] Cash management is an important part of financial management. Bank demand deposits have good liquidity, but the deposit interest rate is too low to resist the erosion of inflation. The money market funds launched by fund companies can be used for short-term investment and cash management by individuals and enterprises, and have obtained higher interest rates than demand deposits. [0003] The competition of cash management products mainly focuses on liquidity, rate of return, and transaction convenience. Taking monetary funds as an example, the current distribution channel of monetary funds is mainly banks. Customers submit redemption applications at banks, before 15:00, the application is on the same day, and after 15:00, the application is scheduled for the next da...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q40/04
Inventor 何穗瑜李桂于浩瀚许鹏
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap